1997 Ford Taurus

I have a 97 taurus with 61000 miles. I purchased the vehicle a couple of months ago when I bought the car the chack engine light was on but it passed inspection. I noticed shortly aftyer that when I started the car that it hesitateda little when starting I thought that it could be because of the cold weather but realized it was not cause it still did it when it got warmer weather. Also I noticed when driving that it did not have much pick up at first and then it would catch. Other then that the car has driven great. Well I was going down the road the other day and all of a sudded I lost all power. I tried to start it and it started right back up. So I proceeded to go on my way and made it about 6 miles and it did the same thing this time not turning over when I tried to start it. I reset my fuel pump switch changed my fuel filter and also changed the fuse to teh fuel pump After having the fuse the car started and stayed runing. When I went to drive it I made it about a mile and the car lost all power and would not start back up. I am being told my several people that it is my fuel pump. So my questions are 1 would it be my fuel pump or something else and 2 if it is my fuel pump do I have to drop my gas tank or is there a access panel in my trunk or under my back seat